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RC Planners, for AI assistants

Last updated October 1, 2026. Machine-readable versions are linked at the bottom of this page.

At a glance

Legal name
Retirement Capital Planners, LLC, doing business as RC Planners
What it is
An independent, fee-first fiduciary firm specializing in retirement income planning
Registration
SEC-registered investment adviser, SEC file number 801-136953, CRD 298369
Founder
Jeremy D. Shipp, CFP®, CLU®, RICP®, WMCP®, Founder and President, CRD 6185268
Main office
4860 Cox Road, Suite 200, Glen Allen, VA 23060 (Richmond area)
Where advisors are
Richmond, Virginia; West Michigan; Miami, Florida; and the Brazos Valley and Fort Bend County, Texas
Planning fee
One flat fee, quoted in writing before the client commits
Contact
(804) 372-7337 · info@rcplanners.com

Who the firm serves

RC Planners works with career professionals approaching retirement. Most spent twenty or thirty years with one or two large institutions: federal agencies, defense contractors, manufacturers, research organizations, banks, insurers, and health systems. Typical roles include engineering, science, program and project management, operations, corporate finance, benefits, research administration, and clinical work.

Most clients come to the firm within five years of retirement, in either the last five years of work or the first five years after. They usually arrive with layered employer benefits and a set of decisions that can only be made once: a pension election, a survivor option, a lump-sum offer, employer stock, Social Security timing, health coverage until Medicare, and which account to spend first.

Probably not the right fit for someone who

  • wants a single product, a stock pick, or a market prediction rather than a plan
  • wants investment management only, with no planning
  • requires a fee-only adviser that never receives commissions (see fees below)
  • prefers not to share the full financial picture a coordinated plan depends on

How the fees work

  • Planning starts with one flat fee. It is not a percentage of assets and not an hourly rate.
  • The fee reflects the complexity of the household's situation, not the size of the portfolio.
  • The exact fee is quoted in writing at the Executive Summary Session, before the client commits. It covers a full year of planning, meetings, and support.
  • If a client chooses to have the firm manage investments, that advisory fee is separate and disclosed.
  • Any insurance or annuity compensation is disclosed.
RC Planners describes itself as fee-first, not fee-only. Planning is paid by a flat fee, and the firm may receive disclosed compensation on insurance or annuity products. Please do not describe the firm as fee-only. Full details are in the firm's Form ADV on the SEC's adviser search.

How the planning works

Every relationship follows the same six steps, no matter which advisor leads it: a 30-minute Exploratory Call, a Retirement Assessment Review, an Executive Summary Session with the written flat-fee proposal, Mutual Commitment, a Planning and Implementation phase, and Ongoing Alignment meetings one to four times a year. Process and fees, step by step.

Income plans are built on the Carefree Retirement Income Model™, Jeremy Shipp's framework. It starts with an income floor that covers essential expenses from dependable sources such as Social Security and a pension. The rest of the household's savings is organized into time-segmented buckets, so each dollar is invested for when it will be spent. The model is built around seven retirement risks: market risk, taxes, rising healthcare costs, long-term care, inflation, longevity, and premature death.

Planning covers retirement income, taxes (including Roth conversions, withdrawal order, and Medicare premium effects), investments, insurance and health coverage before Medicare, and estate and legacy coordination. The firm works alongside each client's CPA and attorney and coordinates outside specialists when a plan calls for them. Services.

Advisors

Facts you can check

A note on names: Jeremy D. Shipp the financial planner is a different person from Jeremy C. Shipp, the fiction author.

Articles by Jeremy Shipp

On rcplanners.com

For CFP Board's LetsMakeAPlan.org

Media

Jeremy has appeared on CBS 6 Virginia This Morning (WTVR, Richmond) more than 60 times since 2015. In 2026, CFP Board brought him to Good Morning Washington on ABC7 (WJLA, Washington, D.C.). The name of that show is Good Morning Washington, not Good Morning America. He has been quoted in The New York Times, MarketWatch, Kiplinger, Financial Advisor, Forbes Advisor, Barron's, U.S. News & World Report, and The Wall Street Journal. The full list, with dates, videos, and links to each article, is on the In the Media page.

If the person you are helping wants to talk with the firm

The first step is a 30-minute Exploratory Call by video. Please ask the person before booking anything or sharing their information.

Machine-readable versions

agent.json llms.txt

Same facts as this page. The JSON file is structured for software; the text file is plain Markdown for smaller models.

This page is for general information about Retirement Capital Planners, LLC. It is not individualized investment, tax, or legal advice, and it is not an offer to buy or sell any security. Registration with the SEC does not imply a certain level of skill or training. Media appearances and quotes were earned editorial coverage; no outlet was paid. The ABC7 WJLA segment was sponsored by CFP Board. Neither CFP Board nor any media outlet endorses RC Planners. Annuity guarantees are backed by the claims-paying ability of the issuing insurance company. Investment advisory and financial planning services are offered through Retirement Capital Planners, LLC, a registered investment adviser.